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# Are My Belongings Covered in a Storage Unit or Offsite Location?

Yes — **but only in limited situations.**

Under the **Limited Personal Property Coverage Endorsement**, your policy offers **up to $1,000** in coverage for personal property stored **away from your insured location** (like a storage unit or offsite facility).

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 📜 What the Policy Says:
“We will provide coverage of up to $1,000 if the personal property is located away from the insured location at the time of loss.”
(See the Limited Personal Property Coverage Endorsement)
🔗 View the full policy wording (PDF)

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### ✅ What’s Covered

✔ **Up to $1,000 in coverage** for personal items stored offsite  
✔ The loss must be caused by a **covered peril** — for example:

* Fire 🔥
    
* Theft 🚪
    
* Vandalism 🧱

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🚫 What’s *Not* Covered

⛔ **Flood, mold, or other excluded risks**  
⛔ **Business use** — items used for business or commercial purposes  
⛔ **Unsecured storage** — storage units must be properly secured to qualify

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 💡 Heads-Up

* This coverage is limited — it’s not meant for long-term or high-value storage.
    
* If you’re storing expensive or irreplaceable items, we recommend contacting us to talk about additional coverage options.

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 Still Unsure?

Let us know what you’re storing and we’ll help check if it’s covered. You can also reach out if you’re wondering whether a specific type of loss or event would qualify for reimbursement. We’re happy to walk you through it. 👍